LTV · monthly repayment
▼ 0.50% · 3.625%
HK$69,444
−HK$4,355/mo
▼ 0.25% · 3.875%
HK$71,604
−HK$2,195/mo
Today · 4.125%
HK$73,799
baseline
▲ 0.50% · 4.625%
HK$78,289
+HK$4,490/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$147,598/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,256
−HK$4,173/mo
▼ 0.25% · 3.875%
HK$79,328
−HK$2,101/mo
Today · 4.125%
HK$81,429
baseline
▲ 0.50% · 4.625%
HK$85,722
+HK$4,293/mo
Deposit HK$15.23M · loan HK$15.23M · min. income ≈ HK$162,858/mo (50% DSR)
Upfront cash ≈ HK$16.52M (deposit + AVD stamp duty HK$1,294,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,333
−HK$5,225/mo
▼ 0.25% · 3.875%
HK$85,925
−HK$2,633/mo
Today · 4.125%
HK$88,558
baseline
▲ 0.50% · 4.625%
HK$93,947
+HK$5,389/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$177,116/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$92,707
−HK$5,008/mo
▼ 0.25% · 3.875%
HK$95,193
−HK$2,522/mo
Today · 4.125%
HK$97,715
baseline
▲ 0.50% · 4.625%
HK$102,866
+HK$5,151/mo
Deposit HK$12.18M · loan HK$18.27M · min. income ≈ HK$195,430/mo (50% DSR)
Upfront cash ≈ HK$13.48M (deposit + AVD stamp duty HK$1,294,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,221
−HK$6,097/mo
▼ 0.25% · 3.875%
HK$100,246
−HK$3,072/mo
Today · 4.125%
HK$103,318
baseline
▲ 0.50% · 4.625%
HK$109,605
+HK$6,287/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$206,636/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$108,158
−HK$5,843/mo
▼ 0.25% · 3.875%
HK$111,059
−HK$2,942/mo
Today · 4.125%
HK$114,001
baseline
▲ 0.50% · 4.625%
HK$120,010
+HK$6,009/mo
Deposit HK$9.14M · loan HK$21.32M · min. income ≈ HK$228,002/mo (50% DSR)
Upfront cash ≈ HK$10.43M (deposit + AVD stamp duty HK$1,294,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$124,999
−HK$7,838/mo
▼ 0.25% · 3.875%
HK$128,887
−HK$3,950/mo
Today · 4.125%
HK$132,837
baseline
▲ 0.50% · 4.625%
HK$140,920
+HK$8,083/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$265,674/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,312 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$139,060
−HK$7,513/mo
▼ 0.25% · 3.875%
HK$142,790
−HK$3,783/mo
Today · 4.125%
HK$146,573
baseline
▲ 0.50% · 4.625%
HK$154,299
+HK$7,726/mo
Deposit HK$3.05M · loan HK$27.41M · min. income ≈ HK$293,146/mo (50% DSR)
Upfront cash ≈ HK$4.34M (deposit + AVD stamp duty HK$1,294,312 · Scale 2, in force from 26 Feb 2026)